Pagaya (PGY) Interactive Valuation Dashboard
Dynamically Forecast Stock Prices by Adjusting Key Model Drivers
Assumption Controls
Load Scenarios
Forecasted Stock Price
1-Year Target
$55
3-Year Target
$95
5-Year Target
$140
Pagaya Technologies (PGY): A Quantitative Stock Analysis
Forecasting Future Value Based on Key Performance Drivers and Market Scenarios
The AI-Powered Lending Network
Pagaya operates a B2B2C model, using its proprietary AI to offer a ‘second look’ at loan applications initially declined by lending partners. This expands credit access for consumers while providing a new stream of approved customers for partners and diverse assets for investors. The model is capital-light, generating revenue primarily from fees rather than holding credit risk.
135+
Institutional Investors
$9.7B
Record 2024 Network Volume
31
Lending Partners
Core Financial Performance Drivers
Pagaya’s growth hinges on scaling its network, optimizing fees, and managing production costs effectively.
Stock Price Forecast Scenarios
Bear Case
$45
1-Year Target
Slower network growth (10%), margin pressure, and unfavorable macro conditions.
Base Case
$55
1-Year Target
Consistent growth (25%), stable margins, and moderate economic environment.
Bull Case
$90
1-Year Target
Accelerated growth (>40%), margin expansion, major new partnerships.